Articles about wealth building, investing, and saving
I started at 90% cash with ¥20M ($133K). Eight years later I'm at 15%. Here's the math on why I stopped chasing a ratio and started defending a dollar amount instead.
Kioxia ran roughly 75x from its IPO on an AI-memory boom. But that's a low-to-high theoretical number — your real return depends on entry, exit, and size. Here's why this index investor doesn't chase it.
My portfolio brushes the high ¥59M range, then slides back to ¥58M without ever crossing ¥60M. Here's the math on why a bigger portfolio moves $4,000+ a day, and why I didn't change a single thing.
A 46-year-old salaryman in Japan with ¥50M ($330K) built his own FIRE countdown app — real index data, five FIRE types, days until financial freedom. Here's why and how.
My friend just made $20K on Micron. Social media is full of people comparing index funds to AI funds over four-week windows. Here's why I'm not changing a thing.
A 46-year-old Tokyo salaryman walks through three stock sales from 2011 that turned into a $200K opportunity cost — and what finally fixed the pattern.
Final installment of my FP cert series. I failed the FP2 written exam once (passed the practical), then passed on retake. Bigger story: every major financial judgment I'd made over 8 years — keeping a mortgage, holding unhedged USD funds — was written into the FP2 textbook as the correct answer.
Eight years of index investing got me to ~$260K. Six weeks of FP3 study showed me that real estate and inheritance tax were total blindspots. Also: Japan's inheritance tax scares people who don't actually need to worry.
I was waking up at 4am to play games. My wife noticed and suggested I take a financial certification instead. I started studying for Japan's FP cert that day. Here's why a contrarian view of 'experience vs credentials' kicked in immediately.
A Japan-resident investor's case for unhedged USD funds: why I chose unhedged over hedged versions (fees + DCA fit), what ¥159 USD/JPY means for my ~$260K portfolio, and why I won't sell or stop contributions even if the yen strengthens.